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Handling the Unexpected: Emergency Fund

Provided by Visa, Content Partner for the SME Toolkit

Emergency Fund

Prepare for the unexpected by saving three to six months of living expenses. An emergency fund should be easy to access in the event of unemployment, illness or a major unplanned expense. Use this calculator to see how much you need to put aside for your emergency fund.


Current emergency funds available $
Number of months you want the emergency funds to last  
Number of months over which you want to accumulate your emergency fund  


Total monthly living expenses. If you plan to itemize (below), leave blank $

or Itemize Monthly:

Mortgage or rent payment $
Vacation home (mortgage) $
Automobile loan(s) $
Personal loan(s) $
Charge accounts $
Federal income tax (per month) $
State income tax (per month) $
FICA (social security tax - per month) $
Real estate taxes - monthly $
Other taxes $
Utilities $
Household repairs and maintenance $
Food $
Clothing and laundry $
Educational expenses $
Child care $
Automobile expenses (gas, repairs, etc.) $
Other transportation expenses $
Life insurance premiums - monthly $
Homeowners/renters insurance (monthly) $
Automobile insurance (monthly) $
Medical, dental and disability insurance $
Entertainment and dining $
Recreation and travel $
Club dues $
Hobbies $
Gifts $
Major home improvements and furnishings $
Professional services $
Contributions $

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